Panchamuki Chits Private Limited
About Panchamuki Chits Private Limited
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Panchamuki Chits Private Limited is a private limited company based in Bengaluru, Karnataka, India. It operates in the microfinance institutions segment of the financial services sector. It was incorporated on 06 September 2016 and has been in existence for over 10 years.
The company is registered with the Registrar of Companies (ROC), Bangalore, under CIN U65929KA2016PTC096307. Its GSTIN is 29AAICP7938B1Z4 (Karnataka).
The company has an authorised share capital of ₹15 Lakh and a paid-up capital of ₹15 Lakh. It is led by directors Nagarajaiah Anantha Ram (Managing Director) and Sandhya.
Its last annual general meeting (AGM) was held on 30 December 2020, and its latest financial statements are for the year ended 31 March 2020. The registered office is at No 34 7th Main B S K 2nd Stage C T Bed Road Near Indira Nursing Home, Bengaluru, Karnataka, India – 560070.
As per the financials filed for FY 2020, the company reported a revenue of ₹83.69 Lakh, a growth of 25% compared to the previous year. For the same year it recorded a net profit of ₹4.59 Lakh (net margin 5.5%) and EBITDA of ₹10.42 Lakh (EBITDA margin 12.4%). Revenue has grown at a compounded annual rate (CAGR) of 204% over three years.
The current compliance status is marked as compliant by the Registrar of Companies.
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- Registered AddressNo 34 7th Main B S K 2nd Stage C T Bed Road Near Indira Nursing Home, Bengaluru, Karnataka, India – 560070
- IndustryFinancial Services, Microfinance Institutions
- Company details, directors and signatories
- Historical financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Legal cases, compliance and MCA filings
- One PDF report, delivered after checkout
Business Activity of Panchamuki Chits Private Limited
The main business activity of Panchamuki Chits is financial and insurance service. In detail, this covers activities by trusts, funds and other financial holding companies.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| K | Financial and insurance Service | K2 | Activities by Trusts, funds and other financial holding companies | Locked |
Business activity turnover details
Turnover share and past changes in activity are in the company report.
- Turnover contribution
- Historical classifications
- Filing-level activity changes
Verified entity values are shown only after access is granted.
Financials of Panchamuki Chits Private Limited FY 2020 filings available
Panchamuki Chits Private Limited reported revenue of ₹83.69 Lakh (up 25% YoY) for FY 2020.
Compounded Annual Growth Rate (CAGR) of Panchamuki Chits Private Limited
Revenue has grown at a compounded annual rate (CAGR) of 204% over three years, including 25% growth in the latest year. EBITDA fell 8% in the latest year. Three- and five-year figures are compounded annual growth rates (CAGR): the steady yearly rate that links the first and the last year. All are worked out from the filed statements.
Financial Statement Summary of Panchamuki Chits Private Limited
| Metrics | FY 2019-20 | FY 2018-19 | FY 2017-18 | FY 2016-17 |
|---|---|---|---|---|
| Profit and Loss Statement | ||||
| Revenue from Operations | ₹83.69 Lakh | •••• | •••• | •••• |
| Other Income | •••• | •••• | •••• | •••• |
| Total Revenue | •••• | •••• | •••• | •••• |
| Cost of Materials Consumed | •••• | •••• | •••• | •••• |
| Employee Benefit Expense | •••• | •••• | •••• | •••• |
| Finance Costs | •••• | •••• | •••• | •••• |
| Depreciation and Amortisation | •••• | •••• | •••• | •••• |
| Other Expenses | •••• | •••• | •••• | •••• |
| Total Expenses | •••• | •••• | •••• | •••• |
| EBITDA | ₹10.42 Lakh | •••• | •••• | •••• |
| Profit Before Tax | •••• | •••• | •••• | •••• |
| Tax Expense | •••• | •••• | •••• | •••• |
| Net Profit (PAT) | ₹4.59 Lakh | •••• | •••• | •••• |
| Balance Sheet | ||||
| Share Capital | •••• | •••• | •••• | •••• |
| Reserves and Surplus | •••• | •••• | •••• | •••• |
| Net Worth (Total Equity) | •••• | •••• | •••• | •••• |
| Long-term Borrowings | •••• | •••• | •••• | •••• |
| Short-term Borrowings | •••• | •••• | •••• | •••• |
| Trade Payables | •••• | •••• | •••• | •••• |
| Total Liabilities | •••• | •••• | •••• | •••• |
| Fixed Assets | •••• | •••• | •••• | •••• |
| Investments | •••• | •••• | •••• | •••• |
| Inventories | •••• | •••• | •••• | •••• |
| Trade Receivables | •••• | •••• | •••• | •••• |
| Cash and Bank Balance | •••• | •••• | •••• | •••• |
| Total Assets | •••• | •••• | •••• | •••• |
Financial Ratios of Panchamuki Chits Private Limited
| Metrics | FY 2019-20 | FY 2018-19 | FY 2017-18 | FY 2016-17 |
|---|---|---|---|---|
| Profitability | ||||
| EBITDA Margin | 12.4% | •••• | •••• | •••• |
| Net Profit Margin | 5.5% | •••• | •••• | •••• |
| Return on Equity (ROE) | •••• | •••• | •••• | •••• |
| Return on Capital Employed (ROCE) | •••• | •••• | •••• | •••• |
| Return on Assets (ROA) | •••• | •••• | •••• | •••• |
| Liquidity and Debt | ||||
| Current Ratio | •••• | •••• | •••• | •••• |
| Quick Ratio | •••• | •••• | •••• | •••• |
| Debt-to-Equity Ratio | •••• | •••• | •••• | •••• |
| Interest Coverage Ratio | •••• | •••• | •••• | •••• |
| Efficiency and Growth | ||||
| Asset Turnover | •••• | •••• | •••• | •••• |
| Receivable Days | •••• | •••• | •••• | •••• |
| Payable Days | •••• | •••• | •••• | •••• |
| Inventory Days | •••• | •••• | •••• | •••• |
| Revenue Growth | •••• | •••• | •••• | •••• |
| Net Profit Growth | •••• | •••• | •••• | •••• |
Paid data: the figures shown as dots are available after purchase of the company report. Figures as filed with the MCA in Form AOC-4. The full year-wise statements and ratios of Panchamuki Chits are in the company report.
Financial statements from FY 2017
Earlier years and trend charts are in the company report.
- Income statements
- Balance sheets
- Cash-flow statements
- Ratios and benchmarks
Verified entity values are shown only after access is granted.
Board of Directors of Panchamuki Chits Private Limited
Panchamuki Chits has 2 directors on record. No former directors are listed.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Nagarajaiah Anantha Ram | Managing Director | 06 Sep 2016 | 10 Years 1 Months | Current |
| Sandhya | Director | 06 Sep 2016 | 10 Years 1 Months | Current |
Peer Comparison of Panchamuki Chits Private Limited
Panchamuki Chits Private Limited is compared with the companies closest to it by revenue in the BFSI industry (Micro Finance). Net profit, margin and employee counts of each company are in the company report.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Ente Naadu Nidhi Limited | ₹84.56 Lakh (FY 2023) | •••• | •••• | 139.0% | •••• | Kothamangalam, Kerala, India |
| Investopedia Chit Fund Private Limited | ₹84.49 Lakh (FY 2025) | •••• | •••• | 50.0% | •••• | Hyderabad, Telangana, India |
| Navadarshan Chit Funds Private Limited | ₹84.44 Lakh (FY 2025) | •••• | •••• | 15.0% | •••• | Dombivili, Maharashtra, India |
| Janavikas Nidhi Limited | ₹84.14 Lakh (FY 2025) | •••• | •••• | 26.0% | •••• | Ayyanthole, Kerala, India |
| Grameen Pragati Foundation | ₹84.08 Lakh (FY 2025) | •••• | •••• | 176.0% | •••• | Mumbai, Maharashtra, India |
| Panchamuki Chits Private Limited this company | ₹83.69 Lakh (FY 2020) | •••• | •••• | 25.0% | •••• | Bengaluru, Karnataka, India |
| Chamrajpet Chits Private Limited | ₹83.62 Lakh (FY 2025) | •••• | •••• | -5.0% | •••• | Bangalore, Karnataka, India |
| Shree Mahaveer Fund Private Limited | ₹83.39 Lakh (FY 2025) | •••• | •••• | 57.0% | •••• | Chennai, Tamil Nadu, India |
| Bhavanisankar Chits Private Limited | ₹82.84 Lakh (FY 2025) | •••• | •••• | -12.0% | •••• | Tiruchirappalli, Tamil Nadu, India |
| K.T.R. Chits Private Limited | ₹82.82 Lakh (FY 2024) | •••• | •••• | 7.0% | •••• | Tamil Nadu, India |
| Vedagramam Nidhi Limited | ₹82.68 Lakh (FY 2025) | •••• | •••• | -3.0% | •••• | Aluva, Kerala, India |
Peers are the five companies nearest above and the five nearest below Panchamuki Chits by revenue in the BFSI industry (Micro Finance), from the latest filed financials of each company. Net profit, margin and employee counts of each peer are in the company report.
Auditor Details of Panchamuki Chits Private Limited
Panchamuki Chits Private Limited is audited by HARISH BASAVARAJ & CO for the financial year 2019.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| HARISH BASAVARAJ & CO | Locked | Locked | Locked |
Complete auditor history
Appointment and cessation dates and past auditor changes are in the company report.
- Appointment status
- Appointment dates
- Cessation dates
- Auditor changes
Verified entity values are shown only after access is granted.
Ownership and Shareholding of Panchamuki Chits Private Limited
Shareholding and ownership data
Promoter, institutional, public and beneficial ownership figures are in the company report.
- Ownership categories
- Historical changes
- Group structure
- FII and DII holdings
Verified entity values are shown only after access is granted.
Charges & Borrowings of Panchamuki Chits Private Limited
Panchamuki Chits Private Limited does not have any charges (loans) registered with the Registrar of Companies.
Employees and EPFO Compliance at Panchamuki Chits Private Limited
Employment history and EPFO contributions of people linked to Panchamuki Chits.
Employee and EPFO history
Monthly headcount, contribution history and filing status are in the company report.
- Monthly headcount
- PF contributions
- ECR filing status
- Establishment history
Verified entity values are shown only after access is granted.
Recent Activity on Panchamuki Chits Private Limited
Panchamuki Chits Private Limited has 2 board changes on record since 2016: 2 appointments. The latest: Nagarajaiah Anantha Ram was appointed as Managing Director on 06 Sep 2016.
Credit Ratings, Litigation & Regulatory Alerts for Panchamuki Chits Private Limited
Credit ratings, litigation, and regulatory alerts
Credit ratings, court records and regulatory alerts are in the company report.
- Rating history
- Court and tribunal cases
- Regulatory alerts
- Director-linked violations
Verified entity values are shown only after access is granted.
MSME Payment Delays by Panchamuki Chits Private Limited
MSME payment history
Amounts due to small suppliers, the reasons given and MSME-1 filings are in the company report.
- Outstanding amounts
- Delay periods and reasons
- MSME-1 filing history
- Vendor payment signals
Verified entity values are shown only after access is granted.
Subsidiaries & Group Companies of Panchamuki Chits Private Limited
Corporate group structure
Parent, subsidiary, associate and joint venture records with holdings are in the company report.
- Parent company
- Subsidiaries and ownership
- Associates and joint ventures
- Entity investments
Verified entity values are shown only after access is granted.
GST Compliance of Panchamuki Chits Private Limited
Panchamuki Chits has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 29AAICP7938B1Z4 | Karnataka | Active | 02 Nov 2017 |
GST registrations and filing compliance
State-wise GST registrations, return filing status and HSN or SAC codes are in the company report.
- GSTIN registrations
- State-wise filing status
- HSN and SAC details
- Tax jurisdiction records
Verified entity values are shown only after access is granted.
MCA Filings & Documents of Panchamuki Chits Private Limited
MCA filings and documents
Filed forms, annual returns, financial statements and charge filings with their dates are in the company report.
- Incorporation documents
- Annual returns and statements
- Charge filings
- Complete filing index
Verified entity values are shown only after access is granted.
Frequently Asked Questions about Panchamuki Chits Private Limited
Panchamuki Chits is an active private limited company based in Bengaluru, Karnataka, India. The company works in microfinance institutions, within the financial services industry. It was incorporated on 06 September 2016 (10+ years old) and is registered under CIN U65929KA2016PTC096307.
Panchamuki Chits reported revenue of ₹83.69 Lakh for FY 2020 (up 25% YoY).
Panchamuki Chits has 2 current directors:
- Nagarajaiah Anantha Ram - Managing Director
- Sandhya - Director
Panchamuki Chits reported a net profit of ₹4.59 Lakh (net margin 5.5%) and EBITDA of ₹10.42 Lakh (EBITDA margin 12.4%) for FY 2020, as per its filed financial statements.
The compounded annual growth rate (CAGR) of the revenue of Panchamuki Chits is 204% over three years. In the latest year (FY 2020) revenue rose 25%. CAGR is the steady yearly rate that links the first and the last year.
The GSTIN of Panchamuki Chits is 29AAICP7938B1Z4, registered in Karnataka.
The CIN (Corporate Identification Number) of Panchamuki Chits is U65929KA2016PTC096307. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Panchamuki Chits was incorporated on 06 September 2016, making it 10+ years old. It is registered with the Registrar of Companies, Bangalore.
The peers of Panchamuki Chits by revenue are Ente Naadu Nidhi Limited, Investopedia Chit Fund Private Limited, Navadarshan Chit Funds Private Limited, Janavikas Nidhi Limited, Grameen Pragati Foundation and 5 more, all in the BFSI industry (Micro Finance).
Nagarajaiah Anantha Ram was appointed as Managing Director on 06 Sep 2016. Sandhya was appointed as Director on 06 Sep 2016.
The registered office of Panchamuki Chits is at No 34 7th Main B S K 2nd Stage C T Bed Road Near Indira Nursing Home, Bengaluru, Karnataka, India – 560070.